I have a Schwab cash account and for one stock tha

I have a Schwab cash account and for one stock that I own (not SFOR) I was asked by Schwab if I would be interested in loaning all my shares to some other customer so they can short the stock. I was offered the first time 5%, than 10% and the final offer was 25% of the value of the stock per year times the share price times the percentage dived by 100. So, I owned 100,000 shares and times 25% (if they kept it that long) times $1.50 so they would pay me $37,500 if they loaned the stock for one year. I said no each time, so even with a cash account they can do it but they pay. I was wondering if in a margin account the brokerage firm also gets reimbursed for loaning a customer's stock but keeps it...